I will give the only equipment advice I'm confident in giving......
Previous people have nailed the exposure protection pretty good. I found myself in a drysuit after about 15 dives, but I love the water and have no problem going up to Mass in the middle of winter. The important thing is that whatever you get fits you really well.
Regulator- once more covered in previous post a good cold water reg, there are several out there and though I can tell you what I dive I don't know enough to give solid advice on the differences.
BC- try, try, try, try.......try, borrow or rent the different styles and brands comparing the pluses and minuses of each one, how it fits and how YOU feel in it. I say this because I bought one right after cert and less then a year later found one that I liked better and was more comfortable for me. That's why a say to try out as many as you can it is cheaper to buy once then replace it a short time later.
Lastly- if you ever make to CT, Mass, or RI want to go diving??????